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An Offer is the unit of value at the heart of Paylead: a published promotion that defines the conditions a Consumer transaction must meet to earn a Reward. It is what the Consumer actually sees in the bank app, and what funds your Program. This page covers what an Offer is, how it funds your Program, and how to surface the catalog through the Paylead API.

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From Campaign to Offer

An Offer is never created in a vacuum. It is the published outcome of a Paylead proposal for a partner merchant that the Program Manager has reviewed and accepted.
1

Paylead proposes a Campaign

Paylead submits a Campaign: a raw, unpublished commercial proposal carrying its conditions: eligible Brand, duration, playground range, channel, and targeting rules.
2

The Program Manager reviews it in Shift

The Program Manager reviews each Campaign in Shift and either publishes it as an Offer or rejects it. This is where the Program Manager sets how the playground is split between its own commission and the Cashback returned to the Consumer.
3

The Offer goes live

Once published, the Offer enters the Program catalog and starts surfacing to eligible Consumers.
A Campaign is Paylead’s draft proposal; an Offer is the curated, published promotion the Consumer sees. Only the Program Manager turns one into the other.

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How an Offer funds the Program

Offers are not a cost: they are the revenue mechanism. When a Consumer transaction matches an active Offer (a Commissioned Transaction):
  • Paylead returns a playground to your Program for that transaction.
  • The playground splits (per Offer, as the Program Manager decided at publication) between the Program Manager’s commission and the Consumer’s Cashback.
This is why curating Offers is a Program Manager lever, not just a catalog task: each Offer’s split shapes both Consumer value and Program economics.

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Offer types and states

An Offer’s type sets how the Consumer earns; its state reflects where the Offer is in its life.
A single Brand can publish multiple Offers to the same Consumer simultaneously, for example a default 3% Offer and a boosted 7% Offer. Aggregate them at the Brand level for the catalog index, and expand to individual Offers on tap.

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What an Offer carries

Every Offer defines the terms a transaction must satisfy to be rewarded:
  • Eligible Brand: where the purchase must happen.
  • A rate: the share of the playground returned to the Consumer.
  • Validity period: the window during which the Offer is active.
  • Channel: the transactional channel through which the purchase is rewarded: online, in-store, or both.
  • Specific conditions: minimum and maximum amounts, capping, targeting.
The full Offer payload groups these fields as follows. Most are read-only; some are type-specific (the rate fields apply to CASHBACK Offers, the voucher fields to VOUCHER Offers). Identity and display Lifecycle and status Reward and rate (CASHBACK Offers) Eligibility conditions Capping and frequency Legal Brand Voucher-specific (VOUCHER Offers)

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Fetch the catalog

The Paylead API exposes three entry points. Pick the one that matches your UI.
Return one entry per Brand the Consumer is eligible for, with aggregated Offer statistics. Use this for the catalog index screen.
Code examples coming soon. The Paylead API (v2) is still under construction. Request and response examples for this section will be published once the contract is finalized. In the meantime, contact your Paylead account manager for early-access details.
Each entry returns the Brand identity, the maximum Cashback rate available, and flags such as is_boosted and is_consumed.
Every Offer display must show at minimum: the Brand logo, the application channel (online / in-store / both), the website, the legal terms, and the Cashback rate. Skipping any of these breaks the Paylead contract.

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Personalization: Offer Smart Ranking

Consumers do not see the catalog in a fixed order. Offer Smart Ranking personalizes the order of Offers per Consumer, using purchase habits, location, Brand power, and editorial spotlight. It improves catalog relevance and conversion, and requires the Consumer’s explicit consent to perform best.

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Display and filter behaviors

Three behaviors shape how you render and filter the catalog. The underlying fields are listed in What an Offer carries.
  • Boosted Offers: show both default_cashback_rate (baseline) and cashback_rate (current) so the contrast is visible. Filter with is_boosted=true to surface only active boosts.
  • Loyalty Offers: filter with loyalty_frequency__isnull=false, then show progress with frequency_counter against frequency.
  • Consumed Offers: flagged is_consumed=true once the per-Consumer cap is reached. Don’t hide them. Display a dimmed “Already claimed” state, and use is_consumed=false only on dedicated “available now” screens.
Code examples coming soon. The Paylead API (v2) is still under construction. Request and response examples for this section will be published once the contract is finalized. In the meantime, contact your Paylead account manager for early-access details.

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What’s next

Reward lifecycle

Track Rewards generated when Consumers transact on an Offer.

Use an offer

How a Consumer redeems an Offer to earn a Reward.

Promote your program

Surface public Offers to prospects who are not Consumers yet.